Diversified Consultants, Inc

2019-02-28

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation

Timely Response

2019-02-28

AL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: FRAUDULENT CHARGES. I DO NOT OWE XXXX AND THEY ARE REPORTING NEGATIVELY ON MY CREDIT FOR {$370.00} FOR A ACCOUNT. I PAID OFF MY PHONE DEVICES FROM THEM AND SWITCHED COMPANIES SO I SHOULD NOT EVEN OWE THEM. I CALLED THE COMPANY I CALLED THE COMPANY THEY SOLD THE DEBT TOO AS WELL. THEY BOTH SAID I COULD SETTLE THE DEBT FOR {$200.00} AND THEY WOULD UPDATE THE ACCOUNT ON MY CREDIT IS AS SETTLED AND PAID IN FULL. BUT NO I DO NOT OWE THEM THIS IS STOPPING MY HOME LOAN FROM BEING APPROVED SO THEM PUTTING SETTLED DOES NOT HELP MY REPORT IT WILL STILL SHOWS AS ONCE NEGATIVE ACCOUNT. NO GOOD WHEN IT IS NOT MY ACCOUNT ONE REPRESENTATIVE SAID I COULD PAY AND THEY WILL REMOVE IT SO I AM TIRED AT THIS POINT NOW THEY DONT AGREE TO REMOVE IT
Company Response: Closed with explanation

Timely Response

2019-02-27

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/XXXX I cancelled my account with XXXX XXXX. On XX/XX/XXXX I received an email from XXXX regarding my remaining balance {$1400.00} ( see attached ). On XX/XX/XXXX I communicated with XXXX via their online chat system ( see attached ) and asked if I would be allowed to return the phones, and was told I could return the phones to a XXXX store for credit. On XX/XX/XXXX I returned 3 phones to the XXXX store and I called XXXX as directed to verify the return was credited ; I was told only 2 phones showed as returned in their system. I provided XXXX with the receipt number for verification and was told they would have to do an investigation into the credit for the 3rd phone. I was also informed that I would still be responsible for paying the {$1400.00} because I terminated my contract early. I informed them I would be able to make a partial payment of {$1000.00} as soon as I received the prepaid refund card from my new wireless provider, which could take up to 60 days to receive. I was told as long as monthly payments were made my account would remain in good standing and would not be sent to a collection agency. On XX/XX/XXXX I paid {$400.00} to XXXX via their online system. On XX/XX/XXXX I paid XXXX {$1000.00} via telephone and was told my remaining account balance of {$38.00} for the 3rd phone would remain in XXXX collection dept until refund was credited to account for the 3rd phone. I was assured the account would not be sent to a collection agency. On XX/XX/XXXX I called to check the status of the investigation and was told I only owed for the wireless charging pad that I had financed for a total of {$57.00}. I paid the {$57.00} during that call for the charging pad and I was told that payment satisfied the remaining balance on my account. In total I paid {$1500.00}, which was {$19.00} more than the total amount I was told I originally owed. I did not receive any further bills/notices from XXXX after the final payment I made on XX/XX/XXXX. I also did not receive any notice from the collection agency Diversified Consultants until XX/XX/XXXX, which is months after it was reported on my credit report in XX/XX/XXXX and the dates on my credit reports are also discrepant. The amount being reported on my credit report is {$600.00} with XXXX with an assigned date of XX/XX/XXXX and a delinquent date of XX/XX/XXXX ; {$600.00} with XXXX with an assigned date of XX/XX/XXXX and delinquent date of XX/XX/XXXX ; and {$600.00} with XXXX with a placed for collection date of XX/XX/XXXX. My account was never delinquent with XXXX and they continued to accept payments from me after XX/XX/XXXX, which is the delinquency date being reported on my XXXX report. I do not owe the {$600.00} or any other amount to XXXX or Diversified Consultants because my debt to XXXX was paid in full on XX/XX/XXXX. I disputed the collection/debt on all 3 of my credit reports in XX/XX/XXXX and Diversified Consultants refused to remove the collection/debt from any of my reports.
Company Response: Closed with explanation

Timely Response

2019-02-27

Carver, MA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title & Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
Company Response: Closed with explanation

Timely Response

2019-02-27

Bothell, WA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-02-27

East Liberty, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-02-26

Creve Coeur, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-26

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I opened an account with XXXXXXXXXXXX sometime in 2015. The account had three lines on it. Me and my daughter and her son. Phones and phone covers were purchased. My daughter paid for this account with her personal account as we agreed. The account was paid with some for phones and some the bill. I moved to another state and my daughter continued to paid this account. No problems and never turned off. I decided to end my phone service with XXXXXXXX and kept my tablet with them that was paid by my daughter. My number was removed and with them to XXXX XXXX XXXX. I also went to XXXX and paid what was owed on my phone and tablet devices in a XXXX XXXX store. I have the receipts for this that I paid this ; XXXX for airtime and XXXX for devices. The XXXX account was still being paid by my daughter. Two phones and one tablet that was on the account. I moved back to XXXX from XXXX and we decided to get the XXXX account in my daughter 's name so it will belong to her for credit purpose. We went to the store and did that transfer and no balance was owe by me and my daughter took over this account and a new account was done in her name with a new number. I owed nothing. Then a few months later I got a bill saying I owe XXXX for some unknown reason and I sent the company that billed me the receipts I had. I also had someone calling and harassing me about this payment. This account is being paid by my daughter with my tablet on it and I have phone with XXXX XXXX XXXX. So how do I owe a account that is being paid for still? No evidence of what I suppose to pay for has been given to me.
Company Response: Closed with explanation

Timely Response

2019-02-26

Cibolo, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-25

Lk Buena Vis, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I am a longtime customer of XXXX. I had all of my phone, TV and internet service with them. In XX/XX/XXXX, I received a bill for XX/XX/XXXX that was increased. I called to find out why and was told that the TV package had increased in price. I asked them if there was a promotion or discount to continue the service as-is and was told no. Not wanting to pay more for TV service, I contacted XXXX for a quote on TV, home phone and internet access and based on the lower quote than XXXX I decided to transfer my service to XXXX. I also contacted XXXX and transferred my cell phone service to them. I called XXXX to transfer my cell phone # to XXXX. I subsequently ordered all services with XXXX cancelled. I returned the XXXX router, DVR and modem to XXXX using XXXX shipping information provided by XXXX. I thought that by returning the equipment and cancelling the services that I was done with XXXX. Unfortunately I continued to be billed for XXXX services for TV, home phone and internet, even though I had cancelled the service, returned the equipment making it impossible to access the XXXX service, and had transferred my service to XXXX and XXXX. Today I received a threatening phone call from a collection agency claiming that I had not cancelled the XXXX services and owed @ {$500.00}. They said that a 'good consumer ' like me should not want an account in collections, and while the information had not been reported to the credit reporting agencies, that it was in my interests to resolve this by PAYING THE DISPUTED AMOUNT AND REQUESTING A REFUND FROM ATT once the dispute was resolved! This sounds ridiculous to me and is tantamount to a con. I told the collection agent that I would be contacting the CFPB to file a complaint. I really feel that large companies like XXXX make it difficult for consumers to cancel services, and even when cancelled and no services received by the consumer, continue to bill them so that XXXX can inflate its customer base and revenues. Today I received another phone call from another debt collector for this account. Specifically, I was called by Diversified Consultants, Inc. ( DCI ), to collect {$450.00} on behalf of XXXX. DCI 's reference # for this account is XXXX. They were polite and asked that I submit a dispute on their website www.dcicollect.com, which I will do. I told them that I would be filing this complaint with the CFPB as well.
Company Response: Closed with explanation

Timely Response

2019-02-25

Santa Ysabel, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-25

Phila, PA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-25

KY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: There is a debt collection agency called Diversified Consultants that is claiming that I owe {$1300.00}. I do not owe this debt. XXXX took it off my report on XX/XX/2018. A month or so later, this collection appreared on my credit report again. I have disputed this account several more times. Also, I recieved a letter on XX/XX/XXXX from this debt company saying that my account was disputed and they will cease collections on the account. Can you please have all three credit bureaus take this off my report?
Company Response: Closed with explanation

Timely Response

2019-02-25

Granada Hills, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-02-25

Fort Worth, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-02-25

Celina, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants is reporting to the credit agencies that I owe {$1200.00} for an account with XXXX. I have never had XXXX, in fact I have been on my wife 's account with XXXX for over 20 years. Either send proof that this is mine, with a signed contract between myself and Diversified Consultants and one between myself and XXXX. I have never had XXXX and I want this to be taken off of my credit reports.
Company Response: Closed with explanation

Timely Response

2019-02-25

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants , Inc . Falsely claims a debt owed to their company from XXXX XXXX XXXX. I never subscribed to XXXX XXXX XXXX for any service.They are calling everyday and harassing me. I need help with this matter
Company Response: Closed with explanation

Timely Response

2019-02-25

Augusta, GA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I have been contacted by Diversified Consultants on several occasions in reference to a XXXX bill that they say was not paid. I closed the account and did not owe that amount at the time I closed the account. A Diversified Consultants ' representative has called for months threatening legal action as well as affecting my credit. They have also tried to settle for less but would not remove the negative account that they have reported to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Those were the last dates they reported to the credit bureaus but they reported them several times prior to that as well. I filed a dispute with XXXX XXXX on XX/XX/XXXX and I saw an increase with my credit scores but the negative collections report still appears on my credit history. On XX/XX/XXXX I received a call from a representative from XXXX XXXX XXXX ( XXXX ) who offered a reduced payment of {$210.00} but also said they would still report it to the credit bureaus. I have been dealing with this issue for about a year and I have not been able to get any relief. Any assistance would be greatly appreciated. Thank you in advance.
Company Response: Closed with explanation

Timely Response

2019-02-25

Atl, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-25

Trenton, NJ

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-02-24

Beachwood, OH

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-02-24

Covington, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-23

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-23

Smyrna, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-23

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: The account in question was opened back in XXXX by an ex that is now deceased. I have reported it to the original creditor, the FTC, and informed the collection agency multiple times since it was first reported to my credit reports back in XXXX. Within the past year, I have contacted the collection agency and the original creditor asking for proof that I owe this debt and they refuse to provide validation. I have disputed this with the credit bureaus and they continue to state the debt was validated without providing any proof. The collection agency is reporting that the debt took place in XXXX which is false and refuses to provide me with copies of bills or invoices. I have written correspondence to the collection agency dated XX/XX/XXXX asking for written correspondence showing me that I owe this debt and that it is not past the statute of limitations. They sent a letter back stating it was verified and did not provide me with any proof or remove the collection account from my credit report.
Company Response: Closed with explanation

Timely Response